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About WorriedGirl

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  1. Hi there, any advice on these credit agreements that i attached??? Thanks guys
  2. Here's a link to the images in photobucket: http://i228.photobucket.com/albums/ee186/kristad_bucket/credit2.jpg http://i228.photobucket.com/albums/ee186/kristad_bucket/credit%20agreement/credit1.jpg The terms and conditions have a printed date of 2008 and a file name that is "classic T&Cs" Photobucket is quite limited as it only lets you zoom once What do you think??
  3. I received a letter on Friday from Connaught Collections saying that: "You have now been furnished with theses details (credit agreement) and we have yet to receive a payment proposal in order to discharge the above sum. Should you ignore this mail and fail to make payment, I see no alternative but to urge my client to issue legal proceedings without further reference to you.......etc etc" Can I write back now and ask to pay them back at £40 a month? Do I need a letter template for this? Or can I just basically offer this? I'd need to do it soon as the letter is dated 29/12
  4. Hi alfwithhair What is an N1 form? I'm kind of frightened that if I don't offer to start paying again then they will issue me with a CCJ. I'm getting married next year and so I'm really saving. I'm also at that point where I'm thinking about mortgages (hence why I sent for my credit file). On what grounds can I say the account is in dispute? Because it isn't a valid Credit agreement (don't know if it is). Is there a letter template for this? Thanks so much for your help, nice to know we can get advice when needed
  5. Hi There, Connaught collections sent me a copy of my credit agreement that I requested on 7th October 2010. I received it on Tuesday 23rd November 2010. It is exactly what 1st Credit sent me 2 years ago when I requested my credit agreement from them, before they passed the debt on to Connaught - a copy of the application form I filled in. The application form does, however, say on it beside the signature area "This is a credit agreement regulated by the consumer credit act 1974 etc etc" Below the signature area, these is a section entitled "Financial and Related Conditions" and
  6. To be honest, I want to get it cleared. I had been paying every month until it was sent from one credit agency to 1st Credit and they got nasty with me. So payments have been made. I just want it settled and off my file. I'm in Northern Ireland
  7. Hey there, I asked First Credit for my credit agreement a few years ago and they responded months later with the copy of the Credit card application form and a seperate sheet with T&C's. I thought it was rubbish, so I never paid up (they had started to bully me on the phone so I stopped paying when I asked for the credit agreement). I subsequently went travelling for a year and never bothered about them. A few days ago I got a letter offereing me a discount of 60%. They say they can offer me a settlement of just over £1000. Now, I am on jobseekers as I have returned from Australia and
  8. Ok, I'm going to scan in what they've sent me this evening so you guys can have a look at it. Is it best to scan them into photobucket and paste the link on here?
  9. i sent them this: Account In Dispute Dear Sir/Madam Re:− Account/Reference Number You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account. On 02/04/08 I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference. You have failed to comply with my request, and as such the account entered default on 2
  10. That's an even better idea, i never thought of using a scanner - god job my trusty Dad just bought one
  11. Well my job here in the UK finishes on Friday, so could I write to them and tell them I am unemployed and that I can pay them £1 a month???
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